No, it says it's used incorrectly/wrongly. The whole article is about how hard it is to get an accurate view of a person's likelihood to pay a loan back, and t

No, it says it's used incorrectly/wrongly. The whole article is about how hard it is to get an accurate view of a person's likelihood to pay a loan back, and the crazy (and generally inaccurate) ways lenders try to make up for that. You drew the wrong conclusion about something you don't know a lot about and doubled down. Good luck with that, though I don't honestly forgive you.